Highlights for September 2026

Case Study: £25,000 Funding Secured for Solicitors’ Practice.

Claratus Commercial Finance recently arranged a £25,000 professional services loan for a solicitors’ practice, helping the business protect cash flow and spread the impact of a VAT payment.

Having already settled a VAT liability of £14k, the firm wanted to replenish its working capital rather than allow the payment to place unnecessary pressure on day-to-day finances.

Claratus successfully secured a £25,000 loan with repayments spread over 12 months, enabling the practice to manage the financial impact of its VAT payment while retaining the remaining funds for general working capital requirements.

The result? Improved cash flow flexibility, greater financial breathing space and the ability to focus on running and growing the practice without unnecessary pressure on available funds.

At Claratus Commercial Finance, we understand the funding requirements of professional services firms, including solicitors, accountants and other established practices.

Could your practice benefit from additional working capital? Speak to Claratus to explore the funding options available to your business.

Case Study: Recent Completion – £235,000 Commercial Mortgage Secured for Southampton Hospitality Business.

Claratus Commercial Finance recently arranged a £235,000 commercial mortgage renewal over a three-year term for an existing client in the hospitality sector.

The Southampton-based business had experienced delays with its original refinancing and exit strategy following restaurant refurbishments, changes in management and an error on its credit profile.

With the restaurants now positioned to move forward under their new management structure, and discussions already underway with an interested party, the business required a funding solution that would provide additional time and flexibility.

Claratus successfully arranged a £235,000 commercial mortgage over three years, allowing the client to progress its plans without the immediate pressure of its existing facility reaching maturity.

The result? Greater financial stability, additional breathing space and a clear pathway towards the client’s longer-term exit strategy.

Looking to refinance an existing commercial mortgage? Speak to Claratus to explore the funding options available to your business.

Product Insight: The £72,000 Cash Flow Problem: Why UK Businesses Are Waiting Longer to Get Paid

UK SMEs are reportedly owed an average of £72,000 in outstanding invoices, highlighting the growing pressure that delayed customer payments can place on business cash flow.

According to research from Bibby Financial Services, the average UK SME has approximately £72,000 tied up in invoices awaiting payment. This doesn’t necessarily mean the invoices are overdue – rather, it represents money businesses have earned through sales but have not yet received from their customers.

For many businesses, winning new contracts isn’t the problem – it’s managing the gap between completing work and receiving payment.

With customers often operating on 30, 60 or even 90-day payment terms, businesses can find themselves covering wages, suppliers and operating expenses long before the corresponding revenue reaches their bank account.

Could alternative finance provide the answer?

Invoice finance can allow businesses to access a significant proportion of the value of eligible unpaid invoices without waiting for customers to settle them. Alternatively, revolving credit facilities and working capital loans can provide additional flexibility to manage cash flow fluctuations.

At Claratus Commercial Finance, we work with a broad panel of lenders to help businesses unlock working capital, manage payment delays and fund continued growth.

Don’t let outstanding invoices hold your business back. Speak to Claratus to explore funding solutions tailored to your business.